we also consider bank of america, which wasn't quite as insolvent of citigroup. and so, we didn't put our money there, where things were functioning normally, we should have put our money in a local community bank that was all that. >> host: right, and i always invest my money in the short-term cds of failing banks. i mean, after this crisis started, banks that offer the highest interest rate on their cds with the countrywide things going under, but she knew your money was safe because it is guaranteed by the fdic and so this is a distorted market on many levels. was madoff a sociopath or a psychopath? we haven't really gotten into the personal elements here. he is a person. in analyzing this for nearly a decade, what on earth do you think made him do this? have you ever spoken to them or communicated with him and it has always been assumed that his family know about this, that his wife knew. it was possible for him to trick the sec for so long, would have been possible for him to trick his own wife? >> guest: madoff was the investigation who relocated from acros